Credit cards don't give you clear reasons, all of which are lack of comprehensive scores.
1. Bad credit: the applicant has a record of malicious overdraft or loan default in other banks; The applicant has a record of unpaid water, electricity, gas or telephone charges; The applicant has a lawsuit dispute or a bad record in the Public Security Bureau.
2. Insufficient qualification: the applicant is engaged in industries with limited credit card issuance; The applicant's age, working years, wage income or other economic sources do not meet the prescribed card issuing standards; The relationship between the sub-card applicant and the main card applicant does not meet the requirements; The applicant's income, work and other comprehensive factors are unstable and risky.
3. Incomplete information: the application materials are incomplete; The applicant fails to provide the basic documents; The documents provided by the applicant do not meet the examination and approval criteria.
4. Risk groups: the applicant falsifies information or provides false information; Abnormal conditions are found in the process of credit review (resignation of the applicant or non-signature of the applicant); The applicant does not exist or applies under the guise of others; The applicant is a high-risk customer and so on.
5. Other reasons: repeated application, or cancellation of application by the applicant himself.
When applying for an increase, you can provide some financial proof, such as the bank passbook for paying wages (the employment information of the last three months needs to be displayed), driving license, real estate license, etc. Try again in three months, or change banks directly and apply again. Don't be discouraged. Generally, the first credit card application is more difficult.